Did Citibank create a separate BT account ?
Can we pay only 5% minimum month #1 to #5, and fullly settled on Month #6 ?

I wonder if I can get this Citibank BT program when applying for new Citibank card.... hmmm   

Effectively we are paying 0.5% per month for 12-month BT program from HLB

from what i know...if u doing too much of BT...u will get internal Black list...this is what the bank manager told me =.=

Boss, housing loan interest and finance loan interest is 2 different thing lah! If ur housing loan is not Super Flexi, u r actually paying the max interest in the first year and gradually to the least at the end (based on principle deduction)! Finance loan interest is flat throughout! U r the first human in this mother earth to say 4.2% home loan is cheap!! U can correct me if i am wrong.

Just want to share out on MBF lastest balance program.

- You can only transfer maximum of 80% of your credit limit
- 5.99% will be charge up front (1 time only)
- 3 type of repayment depends on your BT amount
  a) RM1,000 - RM12,000 - replyment of RM99 per month
  b) RM 13,000 - RM17,000 - repayment of RM199 per month
  c) RM17,000 above - repayment of RM299 per month
the period of the repayment is your total BT amount + 5.99% divide by RM99/RM199/RM299 depends on which category you fall into.

- The repayment period may more than 10 years with only 5.99% interest

- 1 more T & C which is you must swipe RM300 per month to enjoy 0% of charge of the particular month else you will be charge the retail interest % base on individual

- No additional account created, it will credit the installment amount to your CC month

Any comments?